I pushed a little further and quoted the central banks own website “ Do not worry about losing your tracker rate if you have one- lenders cannot remove your tracker just because you are in arrears.” To which I was told “that only relates to a person’s home.”

The reason is a matter of logistics. When you deposit your money with a bank they do several things with it. Firstly they usually invest in, but secondly they usually use their investment as security for a loan